Do absolutely file a complaint against your mortgage servicer/lender with your state's attorney general if you feel you have not been dealt with fairly, legally or in good faith regarding both/either your mortgage loan origination and/or your attempt to secure a modification, refinance or short sale. At some point, enough consumers will have provided information that the AGs will 1) have enough information to file lawsuits against the perpetrators and 2) the collective state attorneys general will stop pretending that a reaching a settlement with the banks involved in forging foreclosure documents (known as robo-signing) in any way represents justice.

All that aside, if your loan is "owned" by Fannie Mae or Freddie Mac, you've been totally sold out by every AG except Oklahoma's, who seems to believe the banksters spin about all those facing foreclosure being deadbeats. That's right, the National Mortgage Settlement excludes all homeowners whose loans were bought up and securitized by the two government-sponsored enterprises.

Read the testimonyof Richard H. Neiman, the Superintendent of Banks for the State of New York and a member of the Congressional Oversight Panel, on the ongoing evaluation of the Treasury Department’s implementation of the Emergency Economic Stability Act (EESA) with respect to home preservation.

Write to your state and federal legislators. Call them. Go to town-hall meetings and ask them to their faces why ordinary American citizens harmed by the economic crash caused by the financial services industry aren't getting the help they need and that many government programs promise. If you don't get an answer, don't vote for that person again. And tell your friends and family and neighbors why. Often.

Too many legislators at all levels have been bought and paid for by big corporate interests, and banks are huge campaign contributors. Research who is buying the votes of your legislative representatives and decide whether those people are representing your interests.

If your "lender" tells you Freddie Mac "owns" your loan, don't expect to get any help from there. At least, I didn't. I got blown off three times by Freddie Mac. The "Borrower Outreach" phone number seems not to be answered at any time during regular business hours and messages are not returned.

Wells Fargo Home Mortgage Office of Executive Complaints
(formerly WFHM Office of the President)
(800)853-8516The people who answer the phone in this office are generally extremely helpful. Call there any time you can't reach any one of the people they have assigned to you as a "single" point of contact and they'll help you track the person down. They also answer direct questions.

If your loan mod case gets "escalated," you'll likely be assigned an Executive Mortgage Specialist in this office. Their main job seems to be trying to justify all the silly games their company has been playing with you. They are not to be trusted, but occasionally you get a useful bit of information out of one of them tucked among the deceptive corporate speak. Use the toll-free number above and dial the extension when prompted by the recorded message.

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